Compare Bank & Credit Union Rates
Best auto loan rates, new and used
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Choose a location to see banks and credit unions with a branch near you.
Top new-car loan rates
Showing 1756–1770 of 2,911 nationwide · median 5.00% APR
- 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only.
Auto loan score 70 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Reflects a .25% discount when maintaining automatic loan payments. Subject to credit approval. Monthly payment is $18.99 per $1,000.
Auto loan score 70 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicles 2022 or newer. Rates based on credit score. Rate includes 0.50% discount for AutoPay.
Auto loan score 70 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
New vehicles. Maximum loan amount 125% of Sticker Price. Requires title and insurance. Stated APR is 'as low as' and includes qualifying discounts; rates are subject to credit risk/score adjustment.
Auto loan score 70 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 13.99%with conditions
5.24% APR, up to 13.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles (cars, trucks, SUVs, motorcycles). Lowest rate assumes HomeFREE Discount Program participation.
Auto loan score 69 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Terms up to 72 months require $5,000 minimum loan amount and minimum 580 credit score.
Auto loan score 69 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New/Used 2026-2025. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score.
Auto loan score 68 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
2026 – 25 models; New Car = 2026 and 25 year models, less than or equal to 10,000 miles
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 13.00%
5.25% APR, up to 13.00%
Terms
90% financing. Maximum loan amount $50,000. Rate match guarantee for rates received from a dealer or other financial institution.
Auto loan score 87 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rate as low as. For new autos with less than 10,000 miles. Interest rate determined by Equifax Beacon Score on date of loan closing.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Estimated monthly repayment amount of $14.25 per $1,000.00 borrowed. Term of up to 84 months for year models 2016-2024.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Applies to 2017 or newer vehicles under 100K miles up to 75 months max term.
Auto loan score 78 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model Year 2026 – 2023
Auto loan score 78 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
As low as 5.25% APR.
Auto loan score 78 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rates as low as 5.25% APR. Loans offered with approved credit. Annual percentage rate for qualified borrowers on new loans or refinance of non-BancFirst loans. Model year limits may apply. Offer expires September 30, 2026.
Auto loan score 78 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost nationwide
2,911 banks and credit unions · checked Oct 22–25
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.62%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank